# Kate Wilusz

> Kate Wilusz is a fee-only financial advisor at Fiat Lux Financial Planning in San Francisco, California, who holds the CFP and CRPC credentials. Kate charges an ongoing planning fee and a one-time planning fee (ongoing planning from $7,000 a year and one-time plans from $2,000) and focuses on retirement planning, equity compensation and tax planning.

Page: https://find.wellspent.co/advisors/kate-wilusz/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Fiat Lux Financial Planning
- **Based in:** San Francisco, California
- **Fee model:** Ongoing planning fee; One-time planning fee
- **Fees (firm's website):** ongoing planning from $7,000 a year; one-time plans from $2,000
- **Credentials:** CFP, CRPC
- **Specialties:** Retirement planning, Equity compensation, Tax planning
- **CRD:** 4824013 (https://adviserinfo.sec.gov/individual/summary/4824013)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 66 (2004)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://fiatluxfp.com

## Frequently asked questions

### Is Kate Wilusz a fee-only financial advisor?

Yes. Kate Wilusz is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Kate's firm.

### How does Kate charge for financial advice?

Kate charges an ongoing planning fee and a one-time planning fee.

### How much does Kate charge?

According to Fiat Lux Financial Planning's website, checked October 28, 2026: ongoing planning from $7,000 a year; one-time plans from $2,000.

### Where is Kate Wilusz based?

Kate Wilusz is based in San Francisco, California.

### What does Kate specialize in?

Kate's specialties include retirement planning, equity compensation and tax planning.

### What credentials does Kate Wilusz hold?

Kate Wilusz holds the CFP and CRPC credentials.

### Is Kate Wilusz registered with the SEC?

Yes. Kate Wilusz is registered as an investment adviser representative in CA (CRD 4824013), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Kate Wilusz?

Through Kate's website, fiatluxfp.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/kate-wilusz-69462): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://fiatluxfp.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.